Audi S4 Insurance Rates

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UPDATED: May 20, 2024

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U.S. average insurance prices for an Audi S4 are $1,456 every 12 months including full coverage. Comprehensive insurance costs an estimated $312 a year, collision insurance costs $624, and liability is $384. A policy with just liability insurance costs around $432 a year, and coverage for high-risk drivers costs $3,174 or more. Teens pay the highest rates at up to $5,356 a year.

Average premium for full coverage: $1,456

Price estimates broken down by individual coverage:

Comprehensive $312
Collision $624
Liability $384

Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and S4 trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Audi S4 insurance prices range from the cheapest price of $432 for minimum levels of liability insurance to a high of $3,174 for a policy for a high-risk driver.

Liability Only $432
Full Coverage $1,456
High Risk $3,174

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects insurance prices.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

The ranges above highlight why it is important to compare rates quotes for a targeted area and their own driving history, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Details

The chart below breaks down average Audi S4 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $816
  • Raising to $1,000 deductibles will save approximately $1,244 every year
  • The average price for the average middle-age driver who has $500 deductibles is $1,456
  • Selecting low $100 deductibles costs an extra $414 annually
  • Drivers with serious driving violations could pay up to $3,174
  • The price to insure a 16-year-old driver can cost as much as $5,356

View Chart as Image

Audi S4 insurance cost comparison chart
Column chart showing Audi S4 insurance prices range from $816 to $5,356 for full coverage

Insurance prices for an Audi S4 are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $630 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $345 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying $1,700 to $2,400 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 130% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on Audi S4 insurance prices. A middle-age driver might find prices as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,080 on average in Louisiana, New York, and Michigan.

Audi S4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,314 -$142 -9.8%
Alaska $1,116 -$340 -23.4%
Arizona $1,208 -$248 -17.0%
Arkansas $1,456 -$0 0.0%
California $1,658 $202 13.9%
Colorado $1,388 -$68 -4.7%
Connecticut $1,494 $38 2.6%
Delaware $1,646 $190 13.0%
Florida $1,820 $364 25.0%
Georgia $1,346 -$110 -7.6%
Hawaii $1,046 -$410 -28.2%
Idaho $986 -$470 -32.3%
Illinois $1,084 -$372 -25.5%
Indiana $1,098 -$358 -24.6%
Iowa $984 -$472 -32.4%
Kansas $1,382 -$74 -5.1%
Kentucky $1,984 $528 36.3%
Louisiana $2,156 $700 48.1%
Maine $898 -$558 -38.3%
Maryland $1,200 -$256 -17.6%
Massachusetts $1,160 -$296 -20.3%
Michigan $2,526 $1,070 73.5%
Minnesota $1,220 -$236 -16.2%
Mississippi $1,742 $286 19.6%
Missouri $1,292 -$164 -11.3%
Montana $1,562 $106 7.3%
Nebraska $1,146 -$310 -21.3%
Nevada $1,746 $290 19.9%
New Hampshire $1,050 -$406 -27.9%
New Jersey $1,626 $170 11.7%
New Mexico $1,288 -$168 -11.5%
New York $1,532 $76 5.2%
North Carolina $836 -$620 -42.6%
North Dakota $1,192 -$264 -18.1%
Ohio $1,002 -$454 -31.2%
Oklahoma $1,494 $38 2.6%
Oregon $1,334 -$122 -8.4%
Pennsylvania $1,386 -$70 -4.8%
Rhode Island $1,942 $486 33.4%
South Carolina $1,320 -$136 -9.3%
South Dakota $1,228 -$228 -15.7%
Tennessee $1,274 -$182 -12.5%
Texas $1,754 $298 20.5%
Utah $1,078 -$378 -26.0%
Vermont $994 -$462 -31.7%
Virginia $872 -$584 -40.1%
Washington $1,124 -$332 -22.8%
West Virginia $1,334 -$122 -8.4%
Wisconsin $1,006 -$450 -30.9%
Wyoming $1,296 -$160 -11.0%

View Chart as Image

Audi S4 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Audi S4 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi S4 Quattro 4-Dr Sedan $1,420 $118
Audi S4 Quattro 4-Dr Sedan $1,420 $118
Audi S4 Quattro 4-Dr Sedan $1,456 $121
Audi S4 Quattro 4-Dr Sedan $1,456 $121

Rates assume 2019 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Audi S4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi S4 $384 $750 $332 $1,602
2023 Audi S4 $370 $744 $338 $1,588
2022 Audi S4 $356 $726 $354 $1,572
2021 Audi S4 $344 $696 $364 $1,540
2020 Audi S4 $326 $672 $376 $1,510
2019 Audi S4 $312 $624 $384 $1,456
2018 Audi S4 $300 $588 $388 $1,412
2016 Audi S4 $270 $484 $390 $1,280
2014 Audi S4 $254 $424 $402 $1,216
2010 Audi S4 $200 $296 $402 $1,034
2009 Audi S4 $194 $266 $398 $994
2007 Audi S4 $188 $248 $384 $956
2006 Audi S4 $172 $236 $380 $924

Rates are averaged for all Audi S4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for More Affordable Audi S4 Insurance

Getting lower rates on insurance for an Audi S4 consists of having a good driving record, having good credit, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around every year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a summary of the coverage data raised in the charts and tables above.

  • You may be able to save approximately $180 per year just by quoting early and online
  • Increasing physical damage deductibles could save as much as $625 each year
  • Drivers age 20 and younger are charged the highest prices, possibly costing $446 a month if they have full coverage
  • Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,720 more annually to buy Audi S4 insurance

Rates by Driver Age

Audi S4 Insurance Rates by Driver Age
Driver Age Premium
16 $5,356
20 $3,382
30 $1,526
40 $1,456
50 $1,330
60 $1,306

Full coverage, $500 deductibles

Rates by Deductible

Audi S4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,870
$250 $1,678
$500 $1,456
$1,000 $1,244

Full coverage, driver age 40

Rates by Liability Limit

Audi S4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,456
50/100 $1,533
100/300 $1,629
250/500 $1,878
100 CSL $1,571
300 CSL $1,782
500 CSL $1,936

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S4 Insurance Rates for High Risk Drivers
Age Premium
16 $7,686
20 $5,390
30 $3,252
40 $3,174
50 $3,024
60 $3,000

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $210

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $78
Homeowner $21
5-yr Accident Free $114
5-yr Claim Free $96
Paid in Full/EFT $71
Advance Quote $75
Online Quote $106
Total Discounts $640
Rate after discounts $816

Discounts are estimated and may not be available from every company or in every state.

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